Abstract: The invention is directed towards dynamically managing a financial account based on risk modules, aggregated data, and individual behavior, wherein the risk modules are calculated using current and real-time data used in conjunction with prospective as well as current customer data. The risk of loss associated with operating financial accounts is reduced because the parameters under which the financial accounts operate is adjusted based on the aggregated data and the analysis provided from the risk models. This allows additional customers to be obtained but optimizes the risk of loss for the financial institution.

Abstract: A method and system for offering credit to a prospective borrower are provided. A lender first determines a prospective borrower location, which may be a commercial outlet, such as a retail store where goods or services are offered. The lender then references a purchase history associated with the borrower at that particular location. The lender then determines the credit worthiness of the borrower. Based upon location, purchase history, and credit worthiness, the lender may deliver a customized offer of credit to the prospective borrower. The offer of credit may be location based, and may accompany a suggested good or service that is available at the prospective borrower's location.